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Complete company report
Generated 28-07-2026
Active BE 0455.752.223Public limited company

FLORIM

Rue de l'Avenir 1 ·4530 Villers-le-Bouillet, Belgium· 30 yrs active
Sector: Non-specialised food retail (47110)
Conclusion Checked

The computed 12-month bankruptcy probability of FLORIM is 1.7% (moderate). The 2022 annual accounts show negative equity (€-1.56M) and a net result of €-254k. Equity is shrinking by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 694 sector peers (fiscal year 2022). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €-1.56M
Net result €-254k
Staff (FTE) 11
Better than sector 5%
Snowflake analysis 5 axes · computed by Checked
Health17Profitability82Solvency34Growth58Stability100
58 / 100

Mixed profile: strong on stability, weaker on health.

Health 17
Profitability 82
Solvency 34
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.7% Moderate
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Long track record −Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1995, 31 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2022 · computed
17 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 08-10-2024 with the NBB · fiscal year 2022 · volledig
€-1.50M€-1.00M€-500k€0Operating result 2018: €-30k€-30kNet result 2018: €-965k€-965kOperating result 2019: €-234k€-234kNet result 2019: €-1.21M€-1.21MOperating result 2020: €-188k€-188kNet result 2020: €-187k€-187kOperating result 2021: €-127k€-127kNet result 2021: €-127k€-127kOperating result 2022: €-183k€-183kNet result 2022: €-254k€-254k20182019202020212022
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~16.2%/year over 5 fiscal years, indicative, assuming unchanged policy.
€-2.50M€-2.00M€-1.50M€-1.00M€-500k2023: €-1.75M (€-1.87M - €-1.62M)2024: €-1.94M (€-2.06M - €-1.81M)2025: €-2.13M (€-2.25M - €-2.00M)2018: €-741k2019: €-988k2020: €-1.18M2021: €-1.30M2022: €-1.56M20182019202020212022202320242025
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency -321.9% 20.5%
better than 5% of 694 sector peers
Net result €-254k €11k
better than 5% of 691 sector peers
Equity €-1.56M €82k
better than 5% of 695 sector peers
Gross operating margin €-38k €155k
better than 5% of 610 sector peers
Staff costs €144k €186k
higher than 42% of 537 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-76k
+42.8% far below sector median
Net profit
€-254k
-99.7% far below sector median
Cash flow
€-76k
+42.2% far below sector median
Total assets
€483k
+4.5% -69% vs sector
Equity
€-1.56M
-19.5% far below sector median
Working capital
€-405k
+69.7% -119% vs sector
Employees (FTE)
11
- -10% vs sector
Staff costs
€144k
- -67% vs sector
Income taxes
€8
+100.0% -100% vs sector
Debt
€2.04M
+15.6% +102% vs sector
Debt ≤ 1y
€886k
-49.8% +8% vs sector
Debt > 1y
€1.15M
+15947.5% far above sector median
Current ratio
0.54
+123.0% -36% vs sector
Quick ratio
0.54
+123.0% +47% vs sector
Solvency
-321.9%
-14.4% far below sector median
Debt / equity
-1.31
+3.3% far below sector median
ROE
16.3%
+67.1% +106% vs sector
ROA
-52.5%
-91.2% far below sector median
Interest coverage
-95.76
+61.5% far below sector median
Figures by fiscal year
Fiscal year2022
Revenue-
EBITDA-
Net profit€-254k
Cash flow-
Staff costs€144k
Income taxes€8
Dividends-
Total assets€483k
Equity€-1.56M
Debt€2.04M
of which ≤ 1y€886k
of which > 1y€1.15M
Working capital€-405k
Employees (FTE)11.0
Ratios (computed)
2022
Current ratio0.54
Quick ratio0.54
Working capital ratio-83.8%
Solvency-321.9%
Debt / equity-1.31
Long-term debt ratio-0.74
Interest coverage-
Gross margin-
Net margin-
ROA-52.5%
ROE16.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding391d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€483k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€0
Financial fixed assets 28€2k
Current assets 29/58€481k
Amounts receivable within one year 40/41€89k
Cash & bank 54/58€393k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€483k
Equity 10/15€-1.56M
Contributions / capital 10/11€224k
Accumulated profits (losses) 14€-1.78M
Amounts payable 17/49€2.04M
Amounts payable after one year 17€1.15M
Amounts payable within one year 42/48€886k
Trade debts payable within one year 44€886k
Income statement
Gross operating margin 9900€-38k
Operating result 9901€-183k
Financial income 75€55
Financial charges 65€10k
Result before taxes 9903€-254k
Income taxes 67/77€8
Net result for the period 9904€-254k
Result to be appropriated 9905€-254k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Non-specialised food retail(47110)
Legal form Public limited company(014)
Incorporation02-08-1995
StatusActive
Postal code4530
Establishment units 1 location
INTERMARCHE
Rue d'Arlon 18 A, 6820 FlorenvilleOpslag
since 19952.073.921.663
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
61068A0521/00D000 Wallonia 9.7 ha 1 · 2.1 ha 13.0 m · 4 fl.
85011C0021/00F000 Wallonia 185 m² 1 · 168 m² 10.8 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 19 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
08-10-2024
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2023
09-06-2023
NBB filing Annual accounts filed
fiscal year 2021 · volledig
09-06-2023
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2022
30-12-2022
State Gazette act Director changes
v3.2
15-03-2022
State Gazette act Director changes
v3.2
2020
30-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
17-02-2020
State Gazette act Registered-office change
Alain Boulle
2019
25-10-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
01-03-2019
State Gazette act Registered-office change
Eric BAUDHUIN
2018
22-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
07-02-2018
State Gazette act Director changes
v3.2
2017
27-06-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
25-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
24-12-2015
State Gazette act Director changes
v3.2
31-08-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
09-04-2015
State Gazette act Director changes
v3.2
2014
06-11-2014
State Gazette act Director changes
v3.2
29-08-2014
NBB filing Annual accounts filed
fiscal year 2013 · volledig
2008
31-07-2008
State Gazette act Director changes
v3.2
Belgisch Staatsblad, acts 9 acts
Address history · 2
17-02-2020
Registered-office move
01-03-2019
Registered-office move
All acts · 9 updated 3 years ago
2022
30-12-2022 2 directors appointed, 1 resigning Director changes
  • Cédric DEGAVRE, Bestuurder
  • Philippe DE BREUCK, Bestuurder
  • Alain BOULLE, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Alain BOULLE",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "C\u00E9dric DEGAVRE",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Philippe DE BREUCK",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "FLORIM"
  }
}
15-03-2022 2 directors appointed, 1 resigning Director changes
  • Philippe DE BREUCK, Gedelegeerd bestuurder
  • Alain BOULLE, Gedelegeerd bestuurder
  • Eric BAUDHUIN, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Eric BAUDHUIN",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "Philippe DE BREUCK",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "Alain BOULLE",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "FLORIM"
  }
}
2020
17-02-2020 Registered office moved from Louvain-la-Neuve to Villers-le-Bouillet Registered-office change·Alain Boulle
  • Rue du Bosquet, 4 1348 LOUVAIN-LA-NEUVE → Rue de l'Avenir, 1 à 4530 Villers-le-Bouillet
Notary: Alain Boulle · Louvain-la-Neuve
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Rue de l\u0027Avenir, 1 \u00E0 4530 Villers-le-Bouillet",
        "city": "Villers-le-Bouillet",
        "region": "waals_gewest",
        "street": "Rue de l\u0027Avenir",
        "country": "BE",
        "postcode": "4530",
        "box_number": null,
        "street_number": "1",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Rue du Bosquet, 4 1348 LOUVAIN-LA-NEUVE",
        "city": "Louvain-la-Neuve",
        "region": "waals_gewest",
        "street": "Rue du Bosquet",
        "country": "BE",
        "postcode": "1348",
        "box_number": null,
        "street_number": "4",
        "locality_suffix": null
      },
      "effective_date": "2019-12-13",
      "evidence_quote": "Conform\u00E9ment aux statuts, nous d\u00E9cidons de transf\u00E9rer le si\u00E8ge social de FLORIM rue du Bosquet, 4 \u00E0 1348 Louvain-la-Neuve vers Rue de l\u0027Avenir, 1 \u00E0 4530 Villers-le-Bouillet.",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "Alain Boulle",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Louvain-la-Neuve",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": null,
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "date": "2019-12-13",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "Florim",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Alain Boulle",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur-d\u00E9l\u00E9gu\u00E9"
  },
  "co_filed_documents": [
    "Extrait du PVCA du 13/12/2019"
  ]
}
2019
01-03-2019 Registered office moved from FLORENVILLE to Louvain-la-Neuve Registered-office change·Eric BAUDHUIN
  • Route d'Arlon 18A 6820 FLORENVILLE → Rue du Bosquet 4 à 1348 Louvain-la-Neuve
Notary: Eric BAUDHUIN · Arlon
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Rue du Bosquet 4 \u00E0 1348 Louvain-la-Neuve",
        "city": "Louvain-la-Neuve",
        "region": "waals_gewest",
        "street": "Rue du Bosquet",
        "country": "BE",
        "postcode": "1348",
        "box_number": null,
        "street_number": "4",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Route d\u0027Arlon 18A 6820 FLORENVILLE",
        "city": "FLORENVILLE",
        "region": "waals_gewest",
        "street": "Route d\u0027Arlon",
        "country": "BE",
        "postcode": "6820",
        "box_number": null,
        "street_number": "18A",
        "locality_suffix": null
      },
      "effective_date": "2019-01-15",
      "evidence_quote": "Conform\u00E9ment \u00E0 l\u0027article 2 des statuts de la soci\u00E9t\u00E9, nous d\u00E9cidons de transf\u00E9rer le si\u00E8ge de FLORIM Route d\u0027Arlon, 18 A 6820 FLORENVILLE vers Rue du Bosquet 4 \u00E0 1348 Louvain-la-Neuve \u00E0 partir du 15/01/2019",
      "region_changed": false,
      "is_statute_change": false,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": "Conform\u00E9ment \u00E0 l\u0027article 2 des statuts de la soci\u00E9t\u00E9, nous d\u00E9cidons de transf\u00E9rer le si\u00E8ge de FLORIM Route d\u0027Arlon, 18 A 6820 FLORENVILLE vers Rue du Bosquet 4 \u00E0 1348 Louvain-la-Neuve \u00E0 partir du 15/01/2019",
      "statute_article_number": "2",
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": "Eric BAUDHUIN",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Arlon",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2019-03-01",
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2019-01-14",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "FLORIM",
    "legal_form": "SA"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Eric BAUDHUIN",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur D\u00E9l\u00E9gu\u00E9"
  },
  "co_filed_documents": [
    "Extrait PVCA du 14/01/2019"
  ]
}
2018
07-02-2018 Serge MARIN resigns as mandataire spécial Director changes
  • Serge MARIN, Mandataire spécial
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "mandataire sp\u00E9cial",
      "person": {
        "rrn": null,
        "name": "Serge MARIN",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "FLORIM"
  }
}
2015
24-12-2015 1 director appointed, 1 resigning Director changes
  • Serge Marin, Mandataire spécial
  • Laurent Sabatier, Mandataire spécial
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "mandataire sp\u00E9cial",
      "person": {
        "rrn": null,
        "name": "Laurent Sabatier",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "mandataire sp\u00E9cial",
      "person": {
        "rrn": null,
        "name": "Serge Marin",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "FLORIM"
  }
}
09-04-2015 1 director appointed, 1 resigning Director changes
  • Laurent Sabatier, Mandataire spécial
  • Jean Callens, Mandataire spécial
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "mandataire sp\u00E9cial",
      "person": {
        "rrn": null,
        "name": "Jean Callens",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "mandataire sp\u00E9cial",
      "person": {
        "rrn": null,
        "name": "Laurent Sabatier",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "FLORIM"
  }
}
2014
06-11-2014 2 directors appointed, 1 resigning Director changes
  • Alain BOULLE, Bestuurder
  • Alain BOULLE, Gedelegeerd bestuurder
  • Panagiotis VALASSIS, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Panagiotis VALASSIS",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Alain BOULLE",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur-d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "Alain BOULLE",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "FLORIM"
  }
}
2008
31-07-2008 4 directors appointed, 2 resigning Director changes
  • Rudy Vanderheyden, Bestuurder
  • Anne Laure Colnet, Bestuurder
  • Marie-Christine Rogala, Bestuurder
  • Rudy Vanderheyden, Gedelegeerd bestuurder
  • Martin Staelens, Bestuurder
  • Thierry Viseur, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Martin Staelens",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_out",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Thierry Viseur",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Rudy Vanderheyden",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Anne Laure Colnet",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur",
      "person": {
        "rrn": null,
        "name": "Marie-Christine Rogala",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "administrateur d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "Rudy Vanderheyden",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0455.752.223",
    "name_full": "FLORIM"
  }
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113
Primary activity highlighted.
Names & trade names
Legal nameFR FLORIM
Registered office
Rue de l'Avenir 1
4530 Villers-le-Bouillet, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative